Money concepts made simple for busy professionals, hosted by Melbourne-based doctor Dev Raga. New episodes every Wednesday. Formerly named my millennial money professional Hosted on Acast. See acast.com/privacy for more information.
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Dev Raga Podcasts
Join Dr Dan, an Australian doctor who is on a mission to improve financial health for doctors and healthcare professionals. Interviewing money experts, doctors turned entrepreneurs, and documenting his own journey to passive income.
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A medical education podcast about all things in Anaesthesia. We want to provide everyone from medical student to specialist with interesting interviews, exam tips and discuss the latest information, practice and techniques.
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543 is rural medicine worth it? the journey, training & pros/cons (part 1)
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44:49In today's episode Dev chats with rural GP Dr James* about why he chose to build his career outside the city. They explore the training pathway, the realities of rural medicine and the unique pros and cons of life as a country doctor. They touch on: ππ½ why James chose rural over metro π the Deanβs Rural List & training pathway ππΎ what a βrural geneβ¦
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Financial advice for doctors with Dev Raga
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58:10Send us a text Please check out Dr Dev Raga Personal Finance on all podcasting platforms https://podcasts.apple.com/au/podcast/dev-raga-personal-finance/id1527271964 https://open.spotify.com/show/4i7qGU4QdWzUAW7r1eikTr?si=a91a76afb9da4589 --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https://twitter.com/abcsoβ¦
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Sustainability in Anaesthesia with Dr Maro
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51:16Send us a text --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https://twitter.com/abcsofa Website: http://www.anaesthesiacollective.com Podcast: ABCs of Anaesthesia Primary Exam Podcast: Anaesthesia Coffee Break Facebook Page: https://www.facebook.com/ABCsofAnaesthesia Facebook Private Group: https://www.facebβ¦
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Splenectomy with Immune Thrombocytopenia Purpura | Final Exam Viva
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30:28Send us a text Check our the full viva in the Final Exam Course https://anaesthesia.thinkific.com/courses/FinalExam --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https://twitter.com/abcsofa Website: http://www.anaesthesiacollective.com Podcast: ABCs of Anaesthesia Primary Exam Podcast: Anaesthesia Coffee Breaβ¦
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Duchenne's Muscular Dystrophy Paediatric Case | Final Exam Viva
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31:50Send us a text Check our the full viva in the Final Exam Course https://anaesthesia.thinkific.com/courses/FinalExam --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https://twitter.com/abcsofa Website: http://www.anaesthesiacollective.com Podcast: ABCs of Anaesthesia Primary Exam Podcast: Anaesthesia Coffee Breaβ¦
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Melbourne HOT or NOT? with Richard Bharata
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58:14In this episode, we chat with buyers agent Richard Bharata, we discuss pros and cons of purchasing property in Melbourne. He shares some case studies and how navigating land tax and compliance (minimum standards) is part and parcel of the investing game. He also updates us of his impressive portfolio- 14million dollars in 4 years! β’tips on sourcingβ¦
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In todayβs episode Dev unpacks the habits of the quiet wealthy, the people building real wealth without flexing a flashy lifestyle. He covers: ππΎ what is income? ππΏ what is wealth & what does quiet wealth mean? ππ» habit 1 - building relationships π habit 2 - understanding the difference between income and wealth ππΌ habit 3 - playing the long game πβ¦
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Paediatric Anaesthesia | Junior Anaesthesia Vivas
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37:08Send us a text For more great content, check out our foundations course! https://anaesthesia.thinkific.com/courses/foundations --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https://twitter.com/abcsofa Website: http://www.anaesthesiacollective.com Podcast: ABCs of Anaesthesia Primary Exam Podcast: Anaesthesia β¦
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Sick strangulated hernia | Final Exam Viva
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24:27Send us a text Check our the full viva in the Final Exam Course https://anaesthesia.thinkific.com/courses/FinalExam --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https://twitter.com/abcsofa Website: http://www.anaesthesiacollective.com Podcast: ABCs of Anaesthesia Primary Exam Podcast: Anaesthesia Coffee Breaβ¦
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Send us a text Check our the full viva in the Final Exam Course https://anaesthesia.thinkific.com/courses/FinalExam --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https://twitter.com/abcsofa Website: http://www.anaesthesiacollective.com Podcast: ABCs of Anaesthesia Primary Exam Podcast: Anaesthesia Coffee Breaβ¦
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Pregnant Mitral Stenosis | Final Exam Viva
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32:23Send us a text Check our the full viva in the Final Exam Course https://anaesthesia.thinkific.com/courses/FinalExam --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https://twitter.com/abcsofa Website: http://www.anaesthesiacollective.com Podcast: ABCs of Anaesthesia Primary Exam Podcast: Anaesthesia Coffee Breaβ¦
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541 Telecare: starting, scaling and selling a health tech company (with Dr Chris Sia)
1:04:52
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1:04:52In this episode, Dev chats with Dr Chris Sia about the journey of building Telecare - its early days, scaling operations, selling the business, and what now. They unpack: ππΎ how Telecare began and the early challenges ππΌ how the pandemic accelerated growth and demand ππΏ what the business model looks like today π managing full-time work while runninβ¦
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Send us a text Check our the full viva in the Final Exam Course https://anaesthesia.thinkific.com/courses/FinalExam --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https://twitter.com/abcsofa Website: http://www.anaesthesiacollective.com Podcast: ABCs of Anaesthesia Primary Exam Podcast: Anaesthesia Coffee Breaβ¦
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Buying own business premises (SMSF GP practice), with Annalyse Crane
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48:58In this episode part 2 of chat with Dr Annalyse Crane, we explore challenges involved with practice ownership, including negotiating purchase of the business premises. β’being your own landlord β’painful lesson about property purchasing and contracts- how to avoid paying double stamp duty! β’why tenant doctor will generate more revenue than allied heaβ¦
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Perioperative Assessments | Junior Anaesthesia Vivas
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33:21Send us a text For more great content, check out our foundations course! https://anaesthesia.thinkific.com/courses/foundations --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https://twitter.com/abcsofa Website: http://www.anaesthesiacollective.com Podcast: ABCs of Anaesthesia Primary Exam Podcast: Anaesthesia β¦
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539 Kabhirβs IMG journey: settling in, GP life, buying a home + money tips (part 2)
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39:02In the second half of this conversation, Kabhir* shares how heβs building a life and career in Australia as an international medical graduate (IMG), touching on: ππΎ integrating into Aussie culture and language π balancing ED shifts with general practice ππΏ the reality of GP income vs hospital perks ππ» navigating permanent residency and citizenship β¦
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From PE teacher to GP, with Annalyse Crane
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45:31In this chat with Dr Annalyse Crane, we explore journey from PE teacher to studying medicine. Work ethic, taking calculated investment risks, juggling work with kids is just a typical day for her! Topics discussed include: β’first job $5/hr β’what sparked change from teacher to study medicine β’buying first property at 21 years old β’having a spouse whβ¦
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538 Kabhirβs IMG journey: medical training in Pakistan & starting out in Australia (part 1)
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56:46In this first half of a two-part chat, Dev speaks with Kabhir* a doctor who migrated from Pakistan to Australia as an international medical graduate (IMG). Kabhir shares how he: ππΎ trained and specialised in neurosurgery in Pakistan ππ½ prepared for and passed the AMC exams ππΏ navigated visas, registration and job offers ππ» compared working hours, pβ¦
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537 what is lifestyle creep and how to manage it
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11:40Lifestyle creep happens when your spending quietly grows with your income. In this episode, Dev unpacks what it is and practical ways to keep it under control, touching on: ππΎ what is lifestyle creep? ππΏ what age group does lifestyle creep usually affect more ππ» why is it dangerous? π ways to reduce the risk of lifestyle creep Related episodes π§ 53β¦
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Property development or not? with Scott Yip, Mortgage broker
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55:08Today we chat with Scott Yip, banker turned mortage broker. With 15 years experience with lending, he shares how lending has changed over the years. β’funny story how he accidentally fell into banking career. β’different between active and passive property investing β’self-development- property courses β’property development site for townhouses- issuesβ¦
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536 JL Collins on market crashes, asset allocation & legacy wealth (part 2)
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45:59In part 2 of this special 2-part series, Dev continues the conversation with JL Collins - author of The Simple Path to Wealth - digging into the mindset and mechanics of building financial independence that lasts a lifetime. They discuss: ππ» stock series vs the book - which one should you read first? ππ½ why market crashes are a gift when youβre buiβ¦
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535 JL Collins on debt, housing myths & why simplicity wins (part 1)
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54:53In this first half of a 2-part conversation, Dev sits down with JL Collins the author of The Simple Path to Wealth to explore his updated edition and the timeless principles of financial independence. JL shares his journey from selling fly swatters at age 8 to shaping one of the most influential voices in FIRE. They talk about: ππΎ why living below β¦
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Can you actually lose with property investing in Australia? seems everyone talks about the positives and the big wins, but often downsides are not talked about. In this episode, I'm going to shed some light- so you make an informed decision. Some disadvantages include: 1.large lumpsum to get started 2.property is illiquid 3.maintenance! 4.bad propeβ¦
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In today's episode, Dev explains what depreciation is, how it works and how it can save you on tax, particularly if you own a property or run a business. He covers: ππΎ what is depreciation? ππΏ types of depreciating assets ππ» why it's so important π concepts within depreciation ππΌ the two methods - prime cost & diminishing value ππ½ and practical exaβ¦
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533 concessional contributions are maxed, div 296 tax + how much do I need to retire with Vince Scully (part 2)
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49:36Today's episode is the second half of Dev's chat with Vince Scully from Life Sherpa (listen to last week's episode for part 1!), where Dev and Vince discuss: ππ» should you make non concessional contributions or invest outside super? π the div 296 tax ππΌ how much do you need in retirement Check out Dev's episode on Div 296 here: Apple Podcast | Spotβ¦
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Send us a text --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https://twitter.com/abcsofa Website: http://www.anaesthesiacollective.com Podcast: ABCs of Anaesthesia Primary Exam Podcast: Anaesthesia Coffee Break Facebook Page: https://www.facebook.com/ABCsofAnaesthesia Facebook Private Group: https://www.facebβ¦
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532 invest vs pay mortgage, borrowing for cars, pay off or leave HELP debt + more with Vince Scully (part 1)
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37:35In this 2 part chat, Dev is joined by Vince Scully from Life Sherpa to unpack your questions. In part 1 they touch on: ππΏ pay off mortgage vs invest vs super ππ» using debt recycling π buying a car with cash or a car loan ππΌ should you pay off or leave your HECS/HELP debt Article - Should you buy a car with cash or car loan: https://lifesherpa.com.aβ¦
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Capital gains tax aka CGT - let's talk about it! Dev unpacks: ππΏ what is a capital gain + short vs long term gain ππ» what is capital gains tax π exemptions ππΌ what are personal use items? ππΎ how does joint ownership affect CGT ππ½ what is cost base ππ» examples of CGT calculations Dev Raga Personal Finance is proudly supported by Sphere Home Loans anβ¦
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How do I as an early 30s GP in Australia, set goals. In this episode, we talk about financial, professional and personal goals. SMART goals. We talk about 50/30/20 rule for high income earners. Avoiding lifestyle creep- easier said than done often. Other things to consider: super contributions, review personal insurances, setting a budget. Other epβ¦
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In this episode Dev explains the concept of opportunity cost, touching on: ππΎ what it is and how it differs from sunk cost ππΏ a formula for working out opportunity cost ππ» where you can apply the concept of opportunity cost beyond finances Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Cβ¦
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Dev Raga personal story (Frugality, surgery to GP, net worth target)
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1:18:28In this episode, we go behind the scenes with another doctor podcaster- Dev Raga. Long episode, where Dev shares some real gems, taking us behind the scenes- from a particular moment in David Jones as a kid, to medical school, to mastering the 3A's as a surgical trainee, to then GP. He also reveals how much he earns in a year, and also net worth taβ¦
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529 the 5 fundamental rules every smart investor follows
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12:10Thereβs no shortage of investing advice out there, but some principles stand the test of time. In this episode, Dev breaks down 5 essential rules that smart investors live by. Simple, powerful habits to help you build real wealth over time. Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? β¦
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Can Stockholm Syndrome apply to your investing strategy? Let's take a look! Dev unpacks: ππΎ what exactly happened in 1973 ππΏ how the term Stockholm Syndrome came about ππ» how this is relevant to investing π and a worked example Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out httβ¦
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Dr Gihan- Happiness, personal growth, and Coach for lifestyle medicine
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48:11In this chat with Dr Gihan "Dr G", we explore his backstory in medicine, investing in yourself, as well as what process was like becoming an author of "Do Happy", and now business coach for lifestyle medicine practitioners looking to widen their impact. We discuss what lifestyle medicine entails for Dr G, and what inspired him to do long consultatiβ¦
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527 lessons from 50 years of investing (with a retired GP!)
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56:47In this episode we pick the brain of Dr Ken who is a retired GP and part of the original FI movement. He has been a clinician and a patient investor over 50 years and has built a large portfolio. We discuss his medical and financial journey, and touch on some valuable lessons along the way. I also ask him about the controversial Div 296 tax and havβ¦
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526 lending for medical professionals: pre-approvals, parental leave, borrowing strategies + more
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40:49Dev is joined by mortgage broker Rachelle Kroon from Sphere Home Loans to answer common lending questions from healthcare workers. They dive into: π the pre-approval process ππ½ how to navigate lending with variable income ππΌ what to know before taking parental leave or a fellowship ππΏ special lending benefits for healthcare professionals ππ» why croβ¦
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6 properties in under 3 years (Johnson Lin)
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48:08Inspiring chat with Johnson, optometrist and buyers agent. At just 27 years old, he has gone from zero to 6 properties in under 3 years! Inspirational seeing young healthcare professionals achieving great things. Another large portfolio story: How a couple built a 40 property portfolio in Australia find out more about Johnson: About β Prime Vantageβ¦
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525 what is strategic asset allocation (SAA)?
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15:42In today's episode Dev explains the concept of strategic asset allocation and touches on: ππΎ what it is ππΏ the 4 main asset classes ππ» target allocation factors π risk tolerance ππΌ investment horizon ππ½ return objectives and expectations Related episodes π§ 440 sequence of returns risk & how it affects your retirement: Apple | Spotify Dev Raga Persoβ¦
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524 superannuation changes coming July 2025
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30:58In today's episode Dev unpacks the changes to superannuation that you need to know come 1 July 2025. He covers: ππΎ carry forward contributions ππΏ minimum pension drawdown ππ» superannuation guarantee increase to 12% π transfer balance cap ππΌ defined benefit income caps Related episodes: 231 superannuation part 1 - Apple | Spotify 232 superannuation β¦
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Decarbonising healthcare With Dr Eugenie Kayak
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28:19Send us a text --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https://twitter.com/abcsofa Website: http://www.anaesthesiacollective.com Podcast: ABCs of Anaesthesia Primary Exam Podcast: Anaesthesia Coffee Break Facebook Page: https://www.facebook.com/ABCsofAnaesthesia Facebook Private Group: https://www.facebβ¦
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Both patient and doctor (leading to special interest in allergies), Dr Jason Yu
1:02:33
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1:02:33In this chat with Dr Jason Yu, we discuss money story, journey through junior doctor years, and becoming a GP with special interest in alleriges. β’choosing a business partner β’money backstory-humble beginnings, parents working a stall at Haymarket in Sydney β’inefficiencies in the hospital system β’own allergies health story β’being a patient making yβ¦
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In this episode Dev covers some basic last minute tax tips for individuals and businesses before financial year 2025 comes to a close! He touches on: ππ½ prepaying interest and expenses ππΌ offsetting capital gains with capital losses ππΏ personal super contributions ππ» the $20k instant asset write-off for business owners ππΎ the $500 co-contribution sβ¦
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Send us a text Thank you Dr Meg for sharing so many amazing practical tips for passing the Final Exam. And most importantly thank you for giving so generously to medical education and all the amazing teaching you do for ABCs of Anaesthesia! You're a legend! --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https:β¦
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Pregnancy and epidurals - Junior Anaesthesia Vivas
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40:38Send us a text Viva Stem You are called to assess 30yo G2P1. She is not progressing well and may need an epidural NKA. What do you want to know on assessment --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https://twitter.com/abcsofa Website: http://www.anaesthesiacollective.com Podcast: ABCs of Anaesthesia Priβ¦
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522 Stockspot super deep dive (with CEO Chris Brycki)
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50:01In this episode, Dev chats with Chris Brycki, founder and CEO of Stockspot, about their new superannuation product, Stockspot Super. They unpack how it compares to traditional super funds, why it's built around ETFs, and how it handles fees, risk, insurance, and tax efficiency. The chat touches on: ππΎ why Stockspot launched a super product ππΏ how Sβ¦
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Junior Anaesthesia Viva - Basics, assessment, intubation, hypoxaemia, pain management
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46:29Send us a text Viva Stem You meet a 60yo male for a laparoscopic cholecystectomy. PMx: IHD, T2DM, HTN. Neuropathic foot pain Medications: Metoprolol Metformin ACEi Statin Pregabalin --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https://twitter.com/abcsofa Website: http://www.anaesthesiacollective.com Podcast:β¦
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Secrets to weight loss (Low carb clinic, Dr Avi Charlton)
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1:09:21Today we have a special Guest- Dr Avi Charlton, GP and founder of Melbourne Low Carb Clinic. Graduated From Melbourne Uni 2000, GP since 2003. She has done extensive education with Low Carb Down Under and Nutrition Network. She has done additional training with The Australasian College of Nutrition and Environmental Medicine (ACNEM). Also recently β¦
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In this episode Dev unpacks the three pillars of investing: risk, return, and volatility. He covers: ππΏ how to figure out your personal risk tolerance ππ» why chasing high returns usually means more risk π what volatility actually means (and why itβs normal) ππΌ what is the efficient frontier ππ½ how diversification helps manage risk ππΎ the impact of β¦
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Please note that this episode was recorded before the May 2025 Federal Election. In today's episode Dev unpacks the proposed Division 296 legislation which will impact super balances of $3 million and above. He touches on: ππΎ superannuation concepts ππΏ the function of super ππ» what is the div 296 tax? π who will it impact ππΌ any exceptions or speciβ¦
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